Best 0% APR Credit Cards

Explore the best 0-interest credit cards available.

By Barri Segal September 22, 2018 Get Credit Advice

There’s almost nothing better than a credit card that offers an introductory 0% APR. You can use it to purchase anything you like and not pay interest on it for a specified period of time. Of course, the whole point of 0% APR credit cards is that you pay off whatever you purchase before the introductory APR period ends, so make sure you can do that to truly get interest-free purchases.

There are so many interest-free credit card offers out there, so GOBankingRates put together a list of the best credit cards available right now with zero-interest offers. Find the one that works best for you and take advantage of a great credit card deal now.

American Express Blue Cash Everyday
American Express EveryDay Credit Card
Bank of America BankAmericard
Chase Freedom Credit Card
Chase Slate Credit Card
Citi Simplicity Card
Discover it Cash Back Rewards Credit Card
U.S. Bank Visa Platinum Credit Card
Wells Fargo Platinum Visa card

American Express Blue Cash Everyday Card

Not only will you not have to pay an annual fee for this card, but you’ll also get to make purchases with 0% APR for 15 months. After that, your interest rate will range from a variable 13.99% to 24.99% APR. And there’s more: If you spend $1,000 in the first three months with the card, you’ll get a $150 statement credit.

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Best for: Those who are able to charge $1,000 in three months to earn the $150 statement credit. This card is also good for those who like cash-back rewards.
Pros: Intro 0% APR on purchases for 15 months; 3 percent cash back on U.S. supermarket purchases of up to $6,000 per year, then 1 percent after that; 2 percent cash back at gas stations and select department stores in the U.S.; and 1 percent cash back on all other purchases
Cons: Requires minimum credit score of 670; 2.7 percent foreign transaction fee; 26.24% APR for cash advances

American Express EveryDay Credit Card

You can make purchases interest-free for the first 15 months, after which your interest rate will range from 13.99% to 24.99% APR. Make $1,000 worth of purchases in the first three months and earn 15,000 Membership Rewards points.

Best for: Those who make lots of everyday purchases that add up to at least 20 transactions per billing period to get 20 percent extra points
Pros: Interest-free purchases for the first 15 months; 20 percent extra points when you use your card 20 or more times in a billing period; 2x points for purchases at U.S. supermarkets up to $6,000 per year; 1x points for all other purchases
Cons: Requires minimum credit score of 670; 2.7 percent foreign transaction fee; 26.24% APR for cash advances

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Read: Best Balance-Transfer Credit Cards

Bank of America BankAmericard

Choose the Bank of America BankAmericard and pay no annual fee as well as no interest on purchases for the first 15 billing cycles or balance transfers made within 60 days of opening your account. After that, your interest rate will range from 14.74% to 24.74% APR. You won’t automatically incur an APR penalty for making a late payment, either.

Best for: Those who want interest-free purchases for 15 billing cycles and want to pay down credit card debt by making a balance transfer during the 0% APR period
Pros: No interest on purchases for 15 billing cycles; no annual fee; free FICO score; $0 liability guarantee
Cons: Requires minimum credit score of 740; no rewards program

Chase Freedom Credit Card

With no annual fee and 0% APR for 15 months on purchases and balance transfers, this card is great if you want cash-back rewards as well as no-interest purchases and balance transfers. Right now, earn $150 when you spend $500 on purchases in your first three months.

Best for: Those who are looking for a card to make interest-free purchases for a long period of time and also want a healthy rewards program
Pros: Interest-free purchases and balance transfers for 15 months; no annual fee; 5 percent cash back on up to $1,500 in combined purchases in bonus categories each quarter, and 1 percent on all other purchases; cash rewards don’t expire
Cons: Requires minimum credit score of 670; 26.74% APR for cash advances; 3 percent foreign transaction fee; complicated rewards program

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Chase Slate Credit Card

This card offers a 0% APR for 15 months on purchases and balance transfers. You can check your FICO score for free, plus you’ll get fraud and purchase protection.

Best for: Those who might need a longer period of time to pay for their purchases at 0% APR
Pros: Interest-free purchases and balance transfers for 15 months; no annual fee; no penalty APR for paying late; free access to FICO score
Cons: Requires minimum credit score of 670; 26.74% APR for cash advances; 3 percent foreign transaction fee

Check Out: Best Credit Cards for People With Good Credit

Citi Simplicity Card

You’ll get 0% APR on purchases and balance transfers for 18 months — transfers must be made within four months of opening the card. You also won’t pay a fee for making a late payment.

Best for: Those who want a simple card that they can make purchases and interest-free balance transfers with
Pros: 0% APR intro rate on purchases and balance transfers; no annual fee; $0 liability on unauthorized charges; identity theft protection; flexible payment due date
Cons: Requires minimum credit score of 740; no rewards program; 3 percent foreign transaction fee

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Also See: Best Travel Credit Cards

Discover it Cash Back Rewards Credit Card

Discover it stands out among no-interest credit cards. You’ll get a 0% APR for 14 months on purchases and balance transfers. You won’t pay an annual fee, and you’ll earn 5 percent cash back in different categories each quarter. In addition, Discover will match your cash-back rewards at the end of your first year as a cardholder — and there’s no limit on the match.

Best for: Those who want a low intro rate for purchases and balance transfers; those who want an automatic match for all the cash back they earned at the end of their first year
Pros: Long intro APR offer; no annual fee; cash-back rewards with match from Discover at end of first year; first late payment fee waived
Cons: Requires minimum credit score of 740; complicated rewards program; 5 percent cash back only for the first $1,500 worth of purchases in bonus categories each quarter

See: How Your Monthly Credit Card Minimum Payment Affects Your Credit Score

US Bank Visa Platinum Credit Card

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With this zero-interest credit card, you’ll get 20 billing cycles of interest-free APR on purchases and balance transfers. Once the 20 billing cycles are over, you’ll pay a variable 11.74% to 23.74% APR, depending on your creditworthiness.

Best for: Those who need a long period to pay off balance transfers
Pros: Long intro offer for balance transfers and purchases; fraud protection; no annual fee
Cons: Requires minimum credit score of 740; no rewards program; foreign transaction fees

Wells Fargo Platinum Visa Card

Get 0% introductory APR for 18 months on purchases and qualifying balance transfers (fees apply) with the Wells Fargo Platinum Visa card. After that, you’ll pay a 13.74% to 27.24% variable APR. You must make balance transfers within 120 days to qualify for the offer.

Best for: Those who need a long period to pay off balance transfers
Pros: Long intro offer for purchases and balance transfers; no annual fee; cellphone protection; free access to FICO score
Cons: Requires minimum credit score of 670; no rewards program; 3 percent foreign transaction fee

Best Credit Cards for Interest-Free Purchases

If you need a credit card but aren’t being offered no-interest offers, make sure you always search for low-interest credit cards. Now that you’ve explored the details regarding the best credit cards available right now for interest-free purchases, use this chart as a quick reference when you’re deciding which one you should apply for to benefit your financial situation.

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Best 0% APR Credit Cards
Credit Card		Intro APR Period	Required Credit Score	Features
	American Express Blue Cash Everyday	0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 13.99% to 24.99%	670-850	3% cash back at U.S. supermarkets (up to $6,000 per year), then 1% 2% cash back at gas stations and department stores 1% cash back on other purchases
	American Express EveryDay Credit Card	0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 13.99% to 24.99%	670-850	20% extra points for making 20 or more purchases in a billing period 2x points at U.S. supermarkets (up to $6,000) Payment flexibility and no annual fee 10,000 Membership Rewards points for making $1,000 in purchases in first three months
	Bank of America BankAmericard	0% intro APR for 15 billing cycles on purchases and balance transfers made in the first 60 days, then a variable APR of 14.74% to 24.74% Intro $0 balance transfer fee for first 60 days; after that, the fee is 3% (minimum $10)	740-850	No annual fee No penalty APR Access to FICO score $0 liability guarantee for fraudulent charges
	Chase Freedom Credit Card	0% intro APR on purchases for 15 months, then a variable APR of 16.74% to 25.49%	670-850	No annual fee $150 bonus for spending $500 in first three months 5% cash back (up to $1,500) in combined purchases in bonus categories 1% unlimited cash back on all other purchases
	Chase Slate Credit Card	0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 16.74% to 25.49%	670-850	Free FICO score access Intro $0 balance transfer fee when you transfer during the first 60 days $0 annual fee No penalty APR
	Citi Simplicity Card	0% intro APR for 18 months on purchases and balance transfers; after that, variable 15.74% to 25.74% APR	740-850	No late fees, penalty rates or annual fee $0 liability on unauthorized charges Identity theft protection 24/7 customer support
	Discover it Cash Back Rewards Credit Card	0% intro APR for 14 months on purchases and balance transfers; then a variable 13.74% to 24.74% APR and 3% balance transfer fee	740-850	Automatic cash-back match at the end of your first year 5% cash back at different places each quarter Unlimited 1% cash back on all other purchases Free FICO score access
	U.S. Bank Visa Platinum Credit Card	0% intro APR on purchases and balance transfers for first 18 billing cycles; after that, a variable APR of 11.74% to 23.74%	740-850	No annual fee Cellphone protection Flexible payment due date
	Wells Fargo Platinum Visa card	0% introductory APR for 18 months on purchases and qualifying balance transfers (fees apply), then a variable APR of 13.74% to 27.24%	670-850	No annual fee Free FICO score access Cellphone protection
Information accurate as of Sept. 6, 2018.

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Methodology: To determine the best 0% APR credit cards, GOBankingRates evaluated credit cards based on the following factors: length of 0% APR period, credit score needed to get the credit card, balance transfer options, annual fees and other perks.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account.

The information related to Wells Fargo Credit Cards has been collected by GOBankingRates.com and has not been reviewed or provided by the issuer or provider of this product or service.

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